Radical Finances

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How to put barriers in place for your spending

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Numerous services exist to make spending easier. Contactless cards allow you to pay without even taking the time to swipe or insert. Apple Pay, Google Pay, Amazon Pay, Facebook Pay, Netflix Pay (okay not all of these are real, but … Read More … Read More

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Woman tracks spending, finds out she spends more than she thought. Film at 11.

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I know that things that are obvious to some aren’t obvious to others. The phrase “it’s easy once you know how to do it” is both banal, profound, and very relevant. That said, when someone writes an article about something … Read More … Read More

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IQ tester

The benefits (and limitations) of Chris Hogan’s R:IQ assessment test

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I discuss the online R:IQ assessment test by Chris Hogan, which seeks to determine how much money you need to save up for your retirement. As mentioned in my review of Chris Hogan’s Retire Inspired book, a tool called the … Read More … Read More

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Chris Hogan’s Retire Inspired: Another bionic book?

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Years from now, when the internet is as obscure and unknowable as Linear A, archaeologists are going to unearth books, still well-preserved, that say things like: “If you haven’t taken the R:IQ assessment yet, do it now! Take it for … Read More … Read More

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Ally now makes it easier to set up multiple savings accounts

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Ally has changed the way that you can create multiple savings accounts. This can make your savings plans much easier to implement. Update (February 2020): Ally now allows actual buckets! Read my review here. I’m a big fan of Ally. … Read More … Read More

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Tax liens, or that time I tried to profit from other people’s debt

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Right after college, I started taking an interest in investing. At the time, I worked with someone who was similarly interested. We’ll call him Ivan (not his real name). Ivan was the person who introduced me to Rich Dad Poor Dad. … Read More … Read More

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How do you know how much money you need?

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Let’s face it: you probably have no idea how much you need to save in your life. This isn’t your fault. Like so much of financial security, we’re not taught anything in a comprehensive, start-to-finish sort of way. So we … Read More … Read More

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Would you even want to win the lottery?

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I’ve spoken before about how it’s not worth it to play the lottery. As my college roommate once said to me (unimprovably, I thought), “you have about as much chance of winning the lottery if you play as if you … Read More … Read More

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How companies make money from you forgetting

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I recently logged in to view may checking account balance. While there, I noticed a $19.99 purchase from the site Daily Burn. I sighed. This was the second time this month that I had received a recurring charge from a … Read More … Read More

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Which would you choose: FSA or HSA?

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Not long after I figured out that I would pass the HSA testing period, I received an interesting and oblique note from my HR department. Paraphrasing here, it said that in the new year they would be evaluating the current … Read More … Read More

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